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Goldpac GroupFRA:G9D +0.75%46 ROA % is 1.35% as of Dec. 2025, which is 76% below its 10-year median of 5.59. GuruFocus rates FRA:G9D with a GF Score™ of 46/100 and a GF Value™ of €0.08. The stock has 7 warning signs investors should review. Among 2,893 Software companies, Goldpac Group ranks worse than 50.26% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Goldpac Group's annualizedNet Income for the quarter that ended in Dec. 2025 was €4.0 Mil.
Goldpac Group's average Total Assets over the quarter that ended in Dec. 2025 was €297.0 Mil. Therefore, Goldpac Group's annualized ROA % for the quarter that ended in Dec. 2025 was 1.35%.
The historical rank and industry rank for Goldpac Group's ROA % or its related term are showing as below:
FRA:G9D'
s ROA % Range Over the Past 10 Years
Min: 1.65 Med: 5.59 Max: 7.6
Current: 1.65
During the past 13 years, Goldpac Group's highest ROA % was 7.60%. The lowest was 1.65%. And the median was 5.59%.
FRA:G9D's ROA % is ranked worse than 50.26% of 2893
companies
in the Software industry
Industry Median: 1.7
vs FRA:G9D: 1.65
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Goldpac Group ROA % Related Terms
Goldpac Group ROA % Historical Data
* Premium members only.
The historical data trend for Goldpac Group's ROA % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Software - Infrastructure subindustry, Goldpac Group's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Goldpac Group ROA % vs Software Industry
For the Software industry and Technology sector, Goldpac Group's ROA % distribution charts can be found below:
* The bar in red indicates where Goldpac Group's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
Goldpac Group (FRA:G9D) has a ROA % of 1.35% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Goldpac Group and its competitors. This is 76% below median its historical median of 5.59. Over the past decade, Goldpac Group's ROA % has ranged from 1.65 to 7.60. According to the industry distribution chart, Goldpac Group ranks #1454 out of 2893 companies in the Software industry, placing it in the top 50.3%.
Is Goldpac Group's ROA % too high?
Goldpac Group's current ROA % of 1.35% is 76% below median its 10-year median of 5.59. Over the past 10 years, this metric has ranged from a low of 1.65 to a high of 7.60. The Software industry median ROA % is 1.70. Goldpac Group's value of 1.35% is 20.6% below this industry median. Based on the distribution chart, Goldpac Group ranks #1454 out of 2893 companies in the Software industry, which is below the industry midpoint. Overall, Goldpac Group has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does Goldpac Group's ROA % compare to MSFT and ORCL?
According to the Software industry distribution chart, Goldpac Group ranks #1454 out of 2893 companies for ROA %. This places Goldpac Group in the lower half of its industry. The industry median ROA % is 1.70. Goldpac Group's value of 1.35% is 20.6% below this benchmark. Historically, Goldpac Group's own ROA % has ranged from 1.65 to 7.60 over the past decade. While the company's 10-year median is 5.59 vs. the industry median of 1.70, Goldpac Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Software company?
The median ROA % among Software companies is 1.70, based on 2,893 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Goldpac Group's current ROA % of 1.35% is 20.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Goldpac Group and its competitors. For the Software industry, the median ROA % is 1.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Goldpac Group's current ROA % is 1.35%, which is 76% below median its own 10-year median of 5.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Goldpac Group stock overvalued right now?
Goldpac Group (FRA:G9D) has a current ROA % of 1.35%. The stock's GF Value™ is €0.08, compared to a current price of €0.07 — trading 15.6% below its estimated fair value. The current ROA % is 1.35%, which is 76% below median its 10-year median of 5.59 and 20.6% below the Software industry median of 1.70. Goldpac Group's overall GF Score™ is 46/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Goldpac Group (FRA:G9D), the current ROA % is 1.35% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Goldpac Group (FRA:G9D) Overvalued in 2026?
Based on GuruFocus' analysis, Goldpac Group stock appears to be undervalued.
The current stock price of €0.07 is trading 15.6% below its estimated GF Value™ of €0.08.
Key valuation signals for FRA:G9D:
ROA %: 1.35% (76% below median its 10-year median of 5.59)
GF Value™: €0.08 vs. price of €0.07 (15.6% below fair value)
Industry Position: 20.6% below the Software median (#1454 of 2893)
No single metric tells the full story. See the FRA:G9D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Goldpac Group Ltd offers solutions to secure payment systems, embedded software and security products, data management services, card issuance systems, multi-function terminals, and custom turnkey solutions covering financial services. The operating segments of the group are Embedded software and secure payment products, which is the key revenue-driving segment, includes embedded software and secure payment products for smart secure payment; and the Platform and service segment which involves the provision of data processing, equipment, system platforms and other total solutions for customers in a wide business range including financial, government, healthcare, transportation and retails by leveraging Fintech.
46GF Score
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